972-332-2888

I received a call. Tried calling back but no answer or the line just goes busy. They left a message about having a legal case with my SSN#.

Just called them back again. They say they are United Nation Legal Department who works for a payday loan. And are asking to pay a settlement. I asked for which loan because I have none and they say they don't know since they work with over 180 companies. But as soon as I pay off the loan I wil get all my legal documents in the mail.  This sounds too fishsy!!!

Yeah I just got a call about 30 minutes ago agouti that. Like they called knew my job and everything. And they said if I settle it out of court I gotta pay $325.11 by today or they going take me court and I gonna have to pay over 4000 in fines

i just got a vm on  my cell phone, asking them to call them back.  They say there is a pending legal case w/ my SSN.  It's sound like a scam that i heard about on tv.  The calls originate in Africa, and scam people for money!

They have called my office over 8 times today.  I have spoke with a real attorney and the must provide documentation of the debt that they are seeking money for.  Watch out for these guys. I want hear from them for a couple of days and then they will call back.  Told them several times I have taken this to the police, talked to the attorney general's office, and an attorney. But they are still calling!

i just received the call and got that 970173667 number and was informed that there was a lawsuit against me from 6 months ago that i had paid off. i did a reverse look up on it that 9723322888 number is in allen tx and the fax number is from utah. plus sending the notebook peice of paper as a legal document told me no. i guess i will see if they will come to work but they had the wrong work location. hey did anyone else talk to officer bryan johnson?

I had a missed call from an unavailable number. An African sounding guy, that I could barely understand left me a voicemail. In the message he mentioned one of my friends names and then something about credit card fraud and that my name and number were involved somehow. He said I needed to call back or I would somehow be involved.

At first I questioned whether or not my friend might have done something like that but I knew that it sounded like a scam too. Another thing that made me think that, is he referred to my friend as a girl and my friend is a guy. I never called back b/c I just looked up the number on here right away. I would watch out for these people and if you call back don't give them any personal info and tell them to F#$k OFF!!! HAHA

Oh yes I did to they keep calling my work also I had to close my account and they put a fraud alert on my checking account.

I got the same calls but there calllin for my husband on my cellphone.I dont answer numbers I dont know. Its kind of funny when its just my name on my Vm. I cant really understand what the guy is saying.  but before the calls started. I got some hand writen bill from this number. I just threw it in the trash.
THIS IS A SCAM. BEWARE.

I have taken this to the local police station and filed a report.

This is a scam. Please report the info to the FBI @ Federal Trade Commission.

This is a SCAM!  I have called the Federal Trade Commission and filed a complaint!

Use extreme caution with this number.  I got a call from them today and a man with a heavy accent(Middle Eastern) informed me that my husband had pay day loan deposited in our account and in fact he DID NOT have one and never has.  This person has our account number and my husband's social security info.  
when I told this George Miller he was nuts that my husband had done NO such thing he told me that he would have my husband arrested by officicals in California.  I laughed because we do not live in California.  I also informed him his threats would be turned over the Colorado attorney general for a violation of the Fair Credit Debt Collection Practices Act, which clearly says this man's actions are illegal.
He responed with threats of physical harm against me.
He claims he is with a law firm using the intials UNLD.  Cannot find them online but I refuse to sit back and be treated in this manner.  I have also filed a complaint with our local police agency.

Looked up the company this man said he was from..........oh boy it is UNLD, Inc.  with an address of
UNLD, Inc.
Director Tilak Johsi
B 5 /6 Gira Park,
B/h Nawkar Flat,
Vejalpur station road
Ahmedabad, 380051
Gujaret India

so again use extreme caution with these fools.

Have been receiving several calls at my work and home, this time the guy told my co-worker his name was Officer Jack and it was re: a legal matter!  He has called so many times w/ different names and titles.  What a crock of S#$%

Yes I just got a call today 8/2010 telling me Just listen first before you interupt me and proceeded to tell me they will call my work and you will be fired and when I ask for the number of where I supposedly got this loan they say I can't tell you that because I will be fired. Then I had my husband call acting as my lawyer and asking for the phone number of this place and they gave him the same bull---- and asked him for his badge number and then said the police cannot touch me. This is a definate SCAM.

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General’s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

https://800notes.com/Phone.aspx/1-646-274-1143/3

I have been receiving numerous calls to my home, my job, and my relatives houses several times a day from this guy I can not understand, you can tell he's from another country.  He claims to be with US Legal Services and there is a legal matter against my name and SS#.  This man was very rude and I have asked him several time to quit calling and I owe nothing, but he still presists.  I have tried to call the number back and I get a busy signal.  This all started to happen about 6 months ago, this guy with the same accent was calling with the name Peter Barker, and I owe if I don't pay god bless me, and the cops will come to get me!  Last week, the same guy with the same accent was calling with the name Matthew Johnson.  Now today 8/11/10 he is calling with another name.   This is rediculous!  Each time he left a different phone number with the name, each from different states when looked up. I have saved all my voice messages and kept notes, so I can report this to the Police Department.
This is [***]!

i got a call earlier today and the guy said he is calling me from UNLD and its regarding about a case which is against my SSC number and our attorney is listening everything because this call is being recorded.. he said that i applied for a loan and i didnt pay it back on so in this matter am gonna have to pay it in once around 350 USD or the loan company will take me to court and am gonna have to go through a lot of trouble plus the fee will be around 4000 USD and they will go to my work and let my employer know that am a scammer  and frauded with this company. and the worst part they wont give me any detail about this company i got a loan from. they said they will give me a discount if i pay it today . 200 USD instead of 350.. and the rest of 150 you dont have to worry about it . i said i wont pay you a penny until i talk to this attorney who is listening this conversation.. so the other guy came on line with the name David Morgan. with the same accent and he mentioned me the same thing and offered me to pay 200 USD and rest of amount in 21 days.. THERE.. I caught him. i said your senior  officer Roy ( ya right ) told me that if i pay 200 USD by today then i dont have to worry about the rest of this payment and you're saying different .. he told me to hold and he press the mute button but unfortunately he didnt press it hard.. and there you again.. he started talking in different language.. which i happened to understand cuz i speak the same language but they are indians and am from pakistan..  i caught them again . so guys.. i researched about this matter.. these guys are indians and scammers and they made a fake pay day loan website to scam innocent people.. they calling us from GUJURAT from INDIA.. and the worst part.. they been scamming a lot of innocent peoples and they made a lot of money from everywhere.. cuz i started abusing them for that matter and they said this the only way to make easy and fast money.. i have a request to all of the user who read this .. we all should make a report together or file a report with the same issue and put these scammers in custody for long time..  

P.S they have all the information which is very confidental to us to tell anyone.. like our name, address, phone number, SSC, bank account numbers, put these f***s behind the cell before they do something big with us..

email me if you guys agree with me..

sunny0347@gmail.com

My husband applied for a check advance about 6 weeks ago and I applied about 4 weeks ago, now we are both getting threatening calls from this law office UNLD saying if we don't pay this money by 11:00 today we will have a law suit against us. My husband has been getting calls at work from some foreign guy named Officer John and Officer Tom. What person that can not even speak proper English is named John or Tom. He pretty much told him to go screw themselves, but they continue to call. Now, I am getting these same calls, telling me the exact same crap. They have both of our social security numbers, bank information, and our dates of birth (everything I don't want anyone to have). I told him I had not ever had a check advance and I was not paying them anything. He then tells me that I am just a dumb b**** that don't want to pay my bills. This jerk refuses to give me any information. I tried to call again this morning, but i get the answering machine. I really need to find out where to send this money so I can have a location to have for my police report. I just can't get a return call. If anyone has any information about how they are saying we are suppose to pay this money PLEASE LET ME KNOW, that would be a huge help to have for my police report.

I received a series of calls sounding exactly like what you are talking about. This individual claims to be an Officer Jack Thompson with an organization called UNLD. He claims there is a pending lawsuit regarding my social security number. The phone number used is 863-873-2770.  The individual appears middle eastern or maybe African. This scan will be reported to the FBI in Tyler, Texas.